This is the reason we’re able to offer some of the lowest interest rates of any provider in New Zealand^. In fact, our secured personal loans start at a low 9.9% p.a.*, while our unsecured loans start at an equally amazing 11.9% p.a.*. Better still, there are no hidden fees or charges, so you can rest easy knowing exactly what - and how much - you’ll be paying, long before you fill out your application.

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*Credit Union Baywide trading as NZCU Baywide. Terms and conditions and normal lending criteria apply. A $500 approval fee and other fees apply for home lending. A $250 approval fee and other fees apply for personal lending. All variable rates, fees and returns are subject to change without notice. The current Product Disclosure Statement and other disclosure statements are available here or on request from the Credit Union. NZCU Baywide savings are shares secured by a first ranking security over NZCU Baywide's assets. Click here to view our rates and fees. The CANSTAR 5 Star Rating was awarded in December 2017 to NZCU Baywide for Orange Personal Loans and in June 2017 for our Online Saver account.